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    <ul class="listss">
        <li>
            <span>Insurance/<strong style="font-weight: 600;">保险</strong><br />保险的统称</span>
        </li>
        <li>
            <span>Life insurance/<strong style="font-weight: 600;">人寿保险</strong><br />泛指人寿保险</span>
        </li>
        <li>
            <span>Policy Holder/<strong style="font-weight: 600;">投保人</strong><br /></span>
        </li>
        <li>
            <span>Policy owner/<strong
                    style="font-weight: 600;">保单用有人</strong><br />以上两个都是只保单拥有人，他可能是不同于被保险人。比如说妈妈是保单拥有人，孩子是被保险人。</span>
        </li>
        <li>
            <span>The insured/<strong style="font-weight: 600;">被保险人</strong><br />保险的效益给予在被保险人的身上。</span>
        </li>
        <li>
            <span>The insurer/<strong style="font-weight: 600;">承保人</strong><br />通常是保险公司</span>
        </li>
        <li>
            <span>Premium/<strong style="font-weight: 600;">保费</strong><br /></span>
        </li>
        <li>
            <span>购买保险的费用<strong style="font-weight: 600;"></strong><br /></span>
        </li>
        <li>
            <span>Beneficiary/<strong style="font-weight: 600;">受益人</strong><br /></span>
        </li>
        <li>
            <span>被保险人如果在保期内发生意外死亡，保险公司应该根据条款做出赔偿，那么这个时候谁拿到这笔赔偿金，谁就是受益人。受益人可以是一个人，也可以是多个人。/<strong
                    style="font-weight: 600;"></strong><br /></span>
        </li>
        <li>
            <span>Coverage/<strong style="font-weight: 600;">承保范围</strong><br /></span>
        </li>
        <li>
            <span>承保人可以理赔的范围<strong style="font-weight: 600;"></strong><br /></span>
        </li>
        <li>
            <span>Face amount/<strong style="font-weight: 600;">保额</strong><br /></span>
        </li>
        <li>
            <span>保险公司理赔的金额<strong style="font-weight: 600;"></strong><br /></span>
        </li>
        <li>
            <span>Payment period/<strong style="font-weight: 600;">支付周期</strong><br /></span>
        </li>
        <li>
            <span>通常有annual pay/年付，semi-annual pay/半年付，seasonal pay/季度付，Monthly pay/月付<strong
                    style="font-weight: 600;"></strong><br /></span>
        </li>
        <li>
            <span>Term Insurance/<strong style="font-weight: 600;">定期保险</strong><br /></span>
        </li>
        <li>
            <span>只是一定期限内有效的保险<strong style="font-weight: 600;"></strong><br /></span>
        </li>
        <li>
            <span>Cash Value Insurance/<strong style="font-weight: 600;">能增值的保险</strong><br /></span>
        </li>
        <li>
            <span>带有一定现金值的保险<strong style="font-weight: 600;"></strong><br /></span>
        </li>
        <li>
            <span>Whole Life Insurance/<strong style="font-weight: 600;">终身型人寿保险</strong><br /></span>
        </li>
        <li>
            <span>Universal Life Insurance/<strong style="font-weight: 600;">综合型人寿保险</strong><br /></span>
        </li>
        <li>
            <span>Variable Life Insurance/<strong style="font-weight: 600;">投资型万能险</strong><br /></span>
        </li>
        <li>
            <span>Long term care/<strong style="font-weight: 600;">长期护理</strong><br /></span>
        </li>
        <li>
            <span>需要外部辅助的护理<strong style="font-weight: 600;"></strong><br /></span>
        </li>
        <li>
            <span>Terminal illness/<strong style="font-weight: 600;">末期疾病</strong><br /></span>
        </li>
        <li>
            <span>在很短时间内会死亡的疾病<strong style="font-weight: 600;"></strong><br /></span>
        </li>
        <li>
            <span>Critical illness/<strong style="font-weight: 600;">重大疾病</strong><br /></span>
        </li>
        <li>
            <span>可能会人身造成危险的疾病<strong style="font-weight: 600;"></strong><br /></span>
        </li>
        <li>
            <span>Chronical illness/<strong style="font-weight: 600;">慢性疾病</strong><br /></span>
        </li>
        <li>
            <span>长时间会用的疾病<strong style="font-weight: 600;"></strong><br /></span>
        </li>
        <li>
            <span>Living Benefit/<strong style="font-weight: 600;">生前福利</strong><br /></span>
        </li>
        <li>
            <span>保险可以提供在人过世钱可以使用的部分<strong style="font-weight: 600;"></strong><br /></span>
        </li>
        <li>
            <span>Underwriting/<strong style="font-weight: 600;">核保</strong><br /></span>
        </li>
        <li>
            <span>投保之后保险公司进行审查的过程<strong style="font-weight: 600;"></strong><br /></span>
        </li>
        <li>
            <span>Lapse/<strong style="font-weight: 600;">断保</strong><br /></span>
        </li>
        <li>
            <span>一段时间不支付保费导致保险失效<strong style="font-weight: 600;">保险</strong><br /></span>
        </li>
        <li>
            <span>Grace period/<strong style="font-weight: 600;">宽限期</strong><br /></span>
        </li>
        <li>
            <span>保险失效前，通常有2个月的时间补齐保费防止保险失效/<strong style="font-weight: 600;"></strong><br /></span>
        </li>
        <li>
            <span>Insurance policy/<strong style="font-weight: 600;">保单</strong><br /></span>
        </li>
        <li>
            <span>被保人与承保人的合同<strong style="font-weight: 600;"></strong><br /></span>
        </li>
        <li>
            <span>Pre-existing Condition/<strong style="font-weight: 600;">既往症</strong><br /></span>
        </li>
        <li>
            <span>比如说高血压等之前就存在的疾病，比如说糖尿病，高血压等。<strong style="font-weight: 600;"></strong><br /></span>
        </li>
        <li>
            <span>Net worth/<strong style="font-weight: 600;">净资产</strong><br /></span>
        </li>
        <li>
            <span>Annuity/<strong style="font-weight: 600;">年金</strong><br /></span>
        </li>
        <li>
            <span>withdraw/<strong style="font-weight: 600;">取钱</strong><br /></span>
        </li>
        <li>
            <span>一些具有现金值的保险可支持在一定时间取钱<strong style="font-weight: 600;"></strong><br /></span>
        </li>
        <li>
            <span>Death benefit/<strong style="font-weight: 600;">死亡赔付额</strong><br /></span>
        </li>
        <li>
            <span>当被保险人去世，保险公司可以赔付的金额/<strong style="font-weight: 600;"></strong><br /></span>
        </li>
        <li>
            <span>Rider/<strong style="font-weight: 600;">附加险</strong><br /></span>
        </li>
        <li>
            <span>人寿保险通常还可以增加一些附加险使得保险更完整<strong style="font-weight: 600;"></strong><br /></span>
        </li>
        <li>
            <span>Modified Endowment Contract/<strong style="font-weight: 600;">每年最多能支付的保费</strong><br /></span>
        </li>
        <li>
            <span>Accelerated Benefits/<strong style="font-weight: 600;">提前给付</strong><br /></span>
        </li>
        <li>
            <span>一些人寿保险在被保险人需要的用钱的时候可支持提前取出一定金额。<strong style="font-weight: 600;"></strong><br /></span>
        </li>


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